Health Insurance in Delaware — Statewide Coverage, DE — 2026 Plans & Premiums
40 ACA marketplace plans are available in Delaware — Statewide Coverage, DE, from 3 insurers. The cheapest plan starts at $415.51/month before subsidies.
Insurers price these 3 counties identically, so plan availability and premiums below apply to all of them:
- Kent County
- New Castle County
- Sussex County
40
Plans Available
$415.51
Cheapest Plan/mo
3
Insurers
HealthCare.gov
Exchange
Insurers Serving Delaware — Statewide Coverage
Plans Available in Delaware — Statewide Coverage
Sorted by monthly premium · 30-year-old · Before subsidies
my Blue Access Major Events Select PPO Catastrophic 10600 - 3 Free PCP Visits
Highmark Blue Cross Blue Shield Delaware
$415.51/mo
Ded: $10,600
AmeriHealth Caritas Next Bronze Essential + No Referrals
AmeriHealth Caritas Next
$481.65/mo
Ded: $10,600
Everyday Bronze
Ambetter Health of Delaware
$496.14/mo
Ded: $8,450
Standard Expanded Bronze
Ambetter Health of Delaware
$498.02/mo
Ded: $7,500
AmeriHealth Caritas Next Bronze Signature + No Referrals
AmeriHealth Caritas Next
$511.23/mo
Ded: $7,500
my Blue Access Select PPO Bronze 9200
Highmark Blue Cross Blue Shield Delaware
$513.51/mo
Ded: $9,200
Everyday Bronze + Vision + Adult Dental
Ambetter Health of Delaware
$515.11/mo
Ded: $8,450
Standard Expanded Bronze + Vision + Adult Dental
Ambetter Health of Delaware
$517.06/mo
Ded: $7,500
Average Premiums in Delaware — Statewide Coverage
Avg Bronze Plan
$525/mo
13 plans
Avg Silver (Subsidy Benchmark)
$674/mo
Eligible for CSR cost reductions
All Counties in Delaware
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Compare plansFrequently asked questions about ACA insurance in Delaware
Which counties does this Delaware health insurance page cover?
This page covers 3 Delaware counties: Kent County, New Castle County, Sussex County. Insurers offer the same plans at the same premiums across all of them, so the 40 plans and $415.51/month starting price shown here apply to every one.
What is the health insurance marketplace in Delaware?
The Delaware (DE) health insurance marketplace is the federal ACA Marketplace at HealthCare.gov, operated by the federal government. Policymage lists 40 Delaware plans with live marketplace premium data. Open Enrollment runs November 1 through January 15.
How do I compare health insurance plans in Delaware?
Use policymage.com/get-quotes: enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans for your county, calculates APTC subsidies, and lets you compare up to 3 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in Delaware start from $415.51/month before subsidies.
Which Medicaid plan is best in Delaware?
There is no single "best" Medicaid plan in Delaware — Medicaid is administered through MCOs such as Highmark Blue Cross Blue Shield Delaware, AmeriHealth Caritas. The right plan depends on your county, doctors, and prescriptions. Medicaid (income up to 138% FPL, ~$21,597/year for an individual) is separate from ACA Marketplace plans at HealthCare.gov. Apply year-round through your state Medicaid office.
Is short-term health insurance available in Delaware?
Short-term health insurance is sold outside the ACA Marketplace in Delaware by private insurers. These plans are not ACA-compliant: they can exclude pre-existing conditions, skip Essential Health Benefits, and lack guaranteed renewal. For comprehensive coverage with subsidies, enroll in an ACA Marketplace plan at HealthCare.gov during Open Enrollment (Nov 1–January 15). See policymage.com/faq for more on short-term vs ACA plans.
How much is health insurance in DE?
Health insurance in DE starts as low as $415.51/month for a 30-year-old on a Bronze plan before subsidies. Most Delaware residents who qualify for APTC pay significantly less — some as low as $0/month for a Silver plan.
What is the cheapest health insurance option in DE for 2026?
The cheapest ACA option in DE for 2026 is typically a Bronze-tier plan or, for residents under 30, a catastrophic plan — both carry the lowest monthly premium in exchange for a higher deductible. Compare exact Delaware plans and prices at policymage.com/get-quotes.
When does Open Enrollment end in Delaware for ACA plans?
Open Enrollment for Delaware residents runs from November 1 through January 15. Delaware uses the federal Marketplace at HealthCare.gov, which has a January 15 deadline. Outside Open Enrollment, you need a Qualifying Life Event to enroll in a Special Enrollment Period.
How much does ACA health insurance cost in Delaware?
Bronze-tier plans in Delaware start as low as $415.51/month for a 30-year-old before subsidies. With APTC tax credits, many Delaware residents pay $0–$50/month for Bronze coverage. Costs vary by age, county, tobacco use, and household size.
Does Delaware use HealthCare.gov or its own state exchange?
Delaware uses the federal Health Insurance Marketplace at HealthCare.gov. The federal government (CMS) operates the exchange, processes applications, and calculates subsidies for Delaware residents.
Has Delaware expanded Medicaid under the ACA?
Yes. Delaware has expanded Medicaid, so adults with household income up to 138% of the Federal Poverty Level (approximately $21,597/year for an individual) qualify for free or very low-cost Medicaid. There's no Open Enrollment window — you can apply year-round.
What are the income limits for ACA subsidies in Delaware?
Premium Tax Credit eligibility starts at 100% of the Federal Poverty Level — about $15,650/year for an individual or $32,300/year for a family of 4. Delaware residents above 400% FPL still qualify if benchmark Silver costs more than 8.5% of their income. Use the HealthCare.gov subsidy calculator for your exact estimate.
What are the metal tiers in Delaware (Bronze, Silver, Gold, Platinum)?
Delaware ACA plans come in four metal tiers based on actuarial value (the percentage of medical costs the plan covers on average): Bronze (~60%), Silver (~70%), Gold (~80%), and Platinum (~90%). Bronze has the lowest premium and highest deductible; Platinum has the highest premium and lowest deductible. Silver is the "benchmark" tier used to calculate APTC subsidies, and it's the only tier eligible for Cost-Sharing Reductions if you qualify by income.
Are HSA-eligible plans available in Delaware?
Yes. HSA-eligible High-Deductible Health Plans (HDHPs) are available in Delaware through HealthCare.gov. For 2026, HDHPs must have a deductible of at least $1,650 (individual) or $3,300 (family), and you can contribute up to $4,300 (individual) or $8,550 (family) to your HSA pre-tax. HSA contributions roll over year-to-year and can be invested.
Do Delaware ACA plans cover dental and vision?
Delaware ACA Marketplace plans for adults include preventive care, mental health, prescriptions, hospitalization, and the 10 Essential Health Benefits — but adult dental and vision are not federally required. Most Delaware plans cover pediatric dental and vision automatically. For adult dental/vision, you typically buy a separate standalone plan through HealthCare.gov or directly from an insurer.
What is a Qualifying Life Event for Special Enrollment in Delaware?
Outside Open Enrollment, Delaware residents can enroll in or change ACA plans within 60 days of a Qualifying Life Event: loss of other health coverage, marriage or divorce, birth or adoption of a child, moving to a new county or state, a change in income that affects subsidy eligibility, becoming a US citizen, or release from incarceration. Have documentation ready when applying through HealthCare.gov.
How do I find in-network doctors and hospitals in Delaware?
Each Delaware ACA plan has its own provider network. Before enrolling, look up the plan on HealthCare.gov, click the carrier name to access their provider directory, and search for your specific doctors and preferred hospitals by name. Out-of-network care typically isn't covered (HMO plans) or costs significantly more (PPO plans). If you have an existing provider relationship, network match is usually more important than the lowest premium.
Find the Right Plan in Delaware — Statewide Coverage
Enter your ZIP code, age, and income to see all plans available to you — with your actual subsidy applied, or see how Delaware — Statewide Coverage compares to the Delaware state average.
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